If you’ve been waiting for the right Home Equity Line of Credit for all your financing needs, look no further than Aloha Pacific Federal Credit Union’s new HELOC, offering an incredible first-year rate and then a very competitive rate for the next four years:

• 0.35% APR for the first year… and then….

• 3.50% APR for years 2-5

• After 60 months, the APR is variable

• No annual fee

• Receive up to $500 in closing costs

This is the HELOC for those big-ticket items such as home renovations, landscaping, a photovoltaic system and school tuition. Or finally take that exotic, once-in-a-lifetime vacation or pay off higher-interest bills or medical expenses.

It’s all up to you.

Visit any APFCU branch, call 531-3711 or apply online at alohapacific.com – and see how your home’s equity can work for you!

Rate effective 12/13/15 & subject to change. Program may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. See branch for more information about applicable fees & terms. Some restrictions may apply. HELOC offer is a promotional rate of 0.35% APR for 12 months, then 3.50% APR for 48 months.

After 60 months, the APR is variable. The current index rate is based on the prime rate published in the Wall Street Journal, plus 1.00%, adjusted quarterly (5.00% min. & 18.00% max), with a 10-year draw and 30-year amortization period. Maximum line: $250,000. Applies to owner-occupied properties with required insurance. Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $500 to $2,500. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing; all closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date.